Business Perpetuation Funding | Buy Company | Sell Business

Business Perpetuation Funding

Many business owners are quickly coming to the realization that they need to establish a plan for business continuity. The average business owner is 59-60 years old and in most cases, looking to retire within the next 10 years - or sooner. A dominant issue to solve in the process is how to finance these transitions so they can sell their business. If a business is a service related business such as CPA, Insurance agency or veterinarian, lenders typically struggle with lending to these businesses because there are no "hard" assets to use as collateral. Perpetuation Funding (PF) offers a lending platform that works primarily with those who want to buy a company in securing loans based on the cash flow of the business - in addition to its assets.

Depending on the creditworthiness of the buyer of the company and the cash flow of the business, Perpetuation Funding can structure an attractive funding solution ranging from 10 year amortization (25 year if property is involved), mid-single digit APR with little or no pre-payment penalty. Whether you are an established veteran with assets or a young entrepreneur with a dream, we can help finance the purchase of the business ranging from $200,000 to $10,000.000.

Perpetuation Funding works with many service related businesses including Insurance agents, Accounting firms, Legal practices, Medical and Dental practices, Retail shops and Construction companies to name a few. Whether you need funding to buy a manufacturing company, distribution channel or any of the above, Perpetuation Funding can solve your funding needs.

Example: An interested buyer and seller meet and agree on the basic terms of the business purchase. The potential business buyer goes to the bank and meets with the banker. The meeting seems to go well until the banker asks what assets will be pledged for the transaction. The buyer, being in his late 30's early 40's has nowhere near the assets to pledge and the transaction breaks down. Both the buyer and seller thought they had an ironclad transaction that the bank would fund. This above example is very typical as the seller then calls Perpetuation Funding for assistance in securing the funds to sell the company.

Premium Finance Associates

In need of insurance premium financing? Our purpose is to provide superior insurance premium financing services for the property and casualty agent. Insurance premium financing can earn income for agents and maximize cash flow for companies. Premium Finance Associates offers the best premium finance options to agents.

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The Springtree Group

The Springtree Group is a company of entrepreneurs helping entrepreneurs. We offer a full spectrum of Mergers & Acquisition, lending and financial performance services and products to the Insurance Community.

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